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The Hilton Honors American Express Business Card vs The World of Hyatt Credit Card
This comparison aims to help users decide between two popular hotel rewards credit cards: The Hilton Honors American Express Business Card and The World of Hyatt Credit Card. Both cards cater to frequent travelers, especially those loyal to Hilton and Hyatt, but they offer different benefits and rewards structures.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card targets business travelers who frequently stay at Hilton properties. With generous rewards on Hilton stays and additional perks, this card is designed to maximize hotel loyalty and provide significant value for those who travel often for work.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is tailored for individuals who prefer Hyatt hotels and resorts. It offers rewards on Hyatt stays as well as everyday spending, making it suitable for both leisure travelers and those who want to earn points on their regular purchases.
Detailed Feature Comparison
| Feature | The Hilton Honors American Express Business Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $195 | $95 |
| Welcome Bonus | Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases within the first 6 months. | Earn up to 60,000 Bonus Points after spending $3,000 in the first 3 months. |
| Rewards Structure | Earn 12X on Hilton purchases, 5X on other purchases (first $100,000), 3X thereafter. | Earn up to 9 points for Hyatt stays, 2 points on specific categories. |
| Foreign Transaction Fee | None | None |
| Other Fees | Terms apply | Terms apply |
| Additional Benefits | Complimentary Gold Status, up to $240 in statement credits annually. | Complimentary Discoverist Status, free night award each year. |
Rewards Highlights
Hilton Honors American Express Business Card
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
- 3X on all other eligible purchases. Terms & Limitations Apply.
World of Hyatt Credit Card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member.
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
Pros and Cons
The Hilton Honors American Express Business Card
- Pros:
- High rewards rate on Hilton purchases.
- Complimentary Gold Status for additional perks.
- Generous welcome bonus.
- Cons:
- Higher annual fee compared to some competitors.
- Complex rewards structure might be difficult for some users to navigate.
The World of Hyatt Credit Card
- Pros:
- Lower annual fee.
- Free night benefit every year.
- Easy to earn bonus points on Hyatt stays.
- Cons:
- Lower welcome bonus compared to Hilton card.
- Limited to Hyatt properties for maximum value.
Who Should Consider Which Card?
- The Hilton Honors American Express Business Card is ideal for:
- Frequent travelers who stay at Hilton hotels.
- Business owners looking for travel rewards on their business expenses.
- Individuals who can take advantage of the higher rewards structure and additional benefits.
- The World of Hyatt Credit Card is suitable for:
- Hyatt loyalists seeking rewards on both travel and everyday purchases.
- Individuals who prefer a lower annual fee with solid benefits.
- Users looking for a card that offers free night benefits annually.
Conclusion
Both The Hilton Honors American Express Business Card and The World of Hyatt Credit Card offer unique advantages tailored to specific users. Consider your individual travel habits, hotel preferences, and financial goals to determine which card best aligns with your needs.